4570 Top Hand Dr, Placerville, CA 95667 Property Records

El Dorado County property record for 4570 Top Hand Dr, Placerville, CA 95667

Property Summary

Property Type	Rural Home
Details	4 bd · 5 ba · 5,728 sqft · built 2009
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$1,349,000 (Jul 2013)
Tax Bill	$17,293 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`105-260-036-000`

Property Details

APN / Parcel Number

Primary APN	`105-260-036-000`
Alternative APN	`1052603610`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,728 sqft Living Area
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Construction Type	Wood
Lot Area	435,600 sqft (10 acres)
Terrain	Rolling
View / Lot	Good
Garage Type	Attached
Garage Area	1,502 sqft
Parking Spaces	5 Parking Spaces
Patio Area	5,728 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Old Parcel Number	1052603610
Street Address	4570 TOP HAND DR
City	PLACERVILLE
State	CA
Zip	95667-7511
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RE5
Legal Description	PM 40/53/1
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	2
Census Block	2005
Census Tract	30901

Owner

Source: El Dorado County records, as of September 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4570 TOP HAND DR, PLACERVILLE, CA 95667-7511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Feb 25, 2025	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU
Feb 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage TOLL BROTHERS MORTGAGE CO
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 19, 2017	Deed of Trust, Mortgage AEM LOAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2013 · Amount on Record
Deed Sale	Jul 31, 2013 · Amount on Record
Prior Sale	Apr 16, 2012 · Amount on Record
Deed Document Number	2013-0040415
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4570 TOP HAND DR, PLACERVILLE, CA 95667-7511
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4570 TOP HAND DR, PLACERVILLE, CA 95667-7511

Mortgage

Document Number	0000057463
Date	Sep 7, 2021
Instrument	2021-0057463

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4570 TOP HAND DR, PLACERVILLE, CA 95667-7511
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4570 TOP HAND DR, PLACERVILLE, CA 95667-7511

Mortgage

Document Number	0000004727
Date	Feb 25, 2025
Instrument	2025-0004727

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 20, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4570 TOP HAND DR, PLACERVILLE, CA 95667-7511
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5340 BRENTFORD WAY, EL DORADO HILLS, CA 95762-9533

Mortgage

Document Number	0000004731
Date	Feb 25, 2025
Instrument	2025-0004731

Lender

Name	TOLL BROTHERS MORTGAGE CO
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4570 TOP HAND DR, PLACERVILLE, CA 95667-7511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016343
Date	Apr 10, 2020
Instrument	2020-0016343

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4570 TOP HAND DR, PLACERVILLE, CA 95667-7511
Document Number	0000003951
Instrument Date	Jan 19, 2017
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4570 TOP HAND DR PLACERVILLE CA 956677511, PLACERVILLE, CA 95667-7511

Mortgage

Document Number	0000003951
Date	Jan 27, 2017
Instrument	3951

Lender

Name	AEM LOAN
Address	MILPITAS, CA 95035

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Secondary School District	El Dorado Union High School District (09 - 12)
Elementary School District	Gold Trail Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$17,293.00 (+4.14%) Homeowner's exemption	$1,653,677 (+4.04%) Land $502,598 Building $1,151,079
2023	$16,606.00 (+1.48%) Homeowner's exemption	$1,589,465 Land $483,083 Building $1,106,382
2022	$16,364.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	13 (1997–2017)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 2 claims Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 5 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 92% of the US · above 75% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Cal.net Fixed Wireless	100 / 20

May also be available: T-Mobile.

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